Purchase Originations
1,468
Ranked #285 nationally
Median Total Costs
$6,189
−7.3% vs national ($6,680)
↑ $806 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,598
Median Lender Credits
$446
Cost Rank (500+ vol.)
#294
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,055 | 6.625% | $5,605 | $1,696 |
| fha | 293 | 6.500% | $9,130 | $1,598 |
| va | 70 | 6.250% | $5,862 | $1,595 |
| usda | 50 | 6.312% | $5,612 | $1,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 709 | 6.500% | $6,284 | #30 |
| Maryland | 415 | 6.500% | $6,147 | #34 |
| West Virginia | 139 | 6.625% | $6,078 | #26 |
| North Carolina | 65 | 6.625% | $5,521 | #181 |
| District of Columbia | 44 | 6.375% | $7,990 | — |
| Indiana | 21 | 6.750% | $3,586 | — |
| Pennsylvania | 15 | 6.250% | $6,172 | — |
| Florida | 13 | 6.500% | $4,750 | — |
| South Carolina | 10 | 6.433% | $6,395 | — |
| Tennessee | 9 | 6.375% | $5,701 | — |
| Georgia | 8 | 6.312% | $8,153 | — |
| Delaware | 5 | 6.490% | $5,535 | — |
| Alabama | 2 | 6.250% | $5,440 | — |
| Illinois | 2 | 6.438% | $12,681 | — |
| New Jersey | 2 | 6.375% | $14,948 | — |
| Texas | 2 | 6.808% | $7,113 | — |
| Arkansas | 1 | 7.490% | $3,245 | — |
| Kentucky | 1 | 6.625% | $5,273 | — |
| Michigan | 1 | 6.625% | $6,910 | — |
| Mississippi | 1 | 6.625% | $4,592 | — |
| New York | 1 | 6.490% | $5,303 | — |
| South Dakota | 1 | 5.990% | $10,572 | — |
| Vermont | 1 | 6.990% | $6,140 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,102 | 6.433% | — | 16 | −$2,087 | |
| 2 | $4,980 | 6.500% | — | 37 | −$1,209 | |
| 3 | $5,589 | 6.490% | — | 60 | −$600 | |
| 4 | $5,629 | 6.500% | — | 47 | −$560 | |
| 5 | $5,820 | 6.562% | — | 70 | −$369 | |
| 6 | $6,092 | 6.495% | — | 128 | −$97 | |
| 7 | $6,147 | 6.490% | — | 23 | −$42 | |
| 8 | $6,204 | 6.625% | — | 112 | +$15 | |
| 9 | $6,368 | 6.500% | — | 53 | +$179 | |
| 10 | $6,383 | 6.500% | — | 28 | +$194 | |
| 11 | $6,446 | 6.188% | — | 22 | +$257 | |
| 12 | $6,485 | 6.490% | — | 17 | +$296 | |
| 13 | $6,675 | 6.375% | — | 23 | +$486 | |
| 14 | $7,005 | 6.375% | — | 24 | +$816 | |
| 15 | $7,006 | 6.625% | — | 18 | +$817 | |
| 16 | $7,088 | 6.375% | — | 62 | +$899 | |
| 17 | $7,639 | 6.500% | — | 23 | +$1,450 | |
| 18 | $7,990 | 6.375% | — | 44 | +$1,801 | |
| 19 | $9,418 | 6.125% | — | 15 | +$3,229 | |
| 20 | $10,269 | 6.500% | — | 34 | +$4,080 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Atlantic Union Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $6,189 | $7,127 | −$938 (−13.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.